Think you’ve got until 30 June to sort your super? That assumption catches people every year. We sit down with superannuation specialist Marco Mulato to map out the end of financial year moves that matter, the deadlines your super fund might enforce, and the simple admin steps that can decide whether you actually get the tax deduction you were counting on.

We walk through concessional contributions and the $30,000 cap, including how employer contributions and salary sacrifice count towards it, and how to check your real “gap” in MyGov. Marco explains the Notice of Intent to Claim process in plain language, why you must get the fund’s acknowledgement back, and what can go wrong if you roll over, withdraw, or start a pension before the notice is lodged. We also cover catch-up concessional contributions for people under the $500,000 total super balance threshold, and why a bonus, a capital gain, or a high-income year can make carry-forward caps a genuine tax-planning tool.

Listener questions take us into the practical edge cases: what happens if you accidentally exceed the cap, when the government co-contribution is worth it, the income thresholds that apply, and whether you can combine different contribution types. We also talk timing around retirement and redundancy, because shifting a payout into the new financial year can change the tax on annual leave, long service leave, and termination payments by a startling amount. We finish with super basics many people still struggle to find, like pension phase limits, work test rules after 67, inheritance tax triggers, and when it’s time to pay for personal financial advice.

If this helped, subscribe, share it with a mate who’s scrambling for EOFY, and leave us a review with the super question you want answered next.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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Falling interest rates sound like good news, until you look at your term deposit and realise the return has already slid. We unpack what is hot and what is not as the economic narrative shifts, with share markets near all time highs and the finance industry racing to launch “income” products designed to catch your attention. Our focus is simple: how to avoid being bullied into action when the smartest move for many long term investors is to slow down and think. 

We walk through a clear decision framework for fixed interest and income investing: credit quality, when you get your money back, whether the yield is reasonable, and how the cashflow fits your life. We also talk about the real world triggers that force people to make choices, including the wind down of bank hybrids and the wave of cash returning to retail investors. If you are feeling stuck between lower deposit rates and expensive markets, we offer a calmer lens: would earning a little less be worth sleeping well at night? 

Listener calls bring the risks into sharp focus. We respond to a text message pitch for overseas bank bonds paying 9 to 10 per cent, explain the extra layer of currency risk, and share practical scam checks like verifying an Australian Financial Services Licence and searching ASIC warnings. We also cover what voluntary administration can mean for shareholders (with Rex as the example), discuss SMSF concerns about proposed tax on unrealised gains, and weigh the trade-offs of buying a home using super versus borrowing from the bank. 

If you want retirement planning and investing guidance that cuts through the noise, subscribe, share the episode with a mate, and leave a review so more Australians can find it.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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In this episode, Remo Greco discusses the relationship between interest rates and share markets, explaining how changes in interest rates can impact investment performance, market sentiment, and economic conditions. He shares valuable insights to help investors better understand market movements and make more informed investment decisions.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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Hiring a financial adviser can feel like handing your future to a stranger, especially when you’re already under pressure from a big life change. We talk through the moments that commonly push people to seek advice, from starting a family to receiving an inheritance, but the biggest trigger is approaching retirement. What surprised us is how much this timeline has shifted: more Australians are starting retirement planning in their 40s and 50s because the real work happens over decades, not in a last-minute scramble.

We also get practical about what financial advisers actually do. Yes, there’s superannuation advice, investing and retirement planning, but there’s also budgeting, debt management, life insurance, and the role of an adviser as an objective sounding board when family emotions are running hot. We share how to find the right fit, including referrals, the Financial Advice Association directory, and the checks you can do before you meet: Google their name, read client testimonials, and confirm qualifications and registration on the ASIC Financial Advisers Register. We also explain what a good first meeting should look like, and why it should start with your values, goals, and the life you want to live.

Then we tackle the sticky questions listeners always ask: what advice costs and why, plus clear super rules around concessional and non-concessional contributions, the $1.9m total super balance limit moving to $2m from July, work tests after 65, contribution cut-offs around 75, and deadlines like making sure money lands in your fund before 30 June. We finish with a grounded take on high growth investing in retirement and how to think about volatility. If this helped, subscribe, share it with a mate who’s putting this off, and leave us a review so more Australians can find the show.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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In this episode, Remo Greco discusses the recent turmoil affecting Australian markets, what’s driving investor uncertainty, and what it could mean for the future of investing.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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In this episode, Marco Mellado discusses whether your super is really in danger and what investors need to understand about protecting their retirement savings. He explores the impact of market volatility, common concerns surrounding superannuation, and the strategies that can help investors stay focused on their long-term financial goals.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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Your super balance drops, the headlines scream “trade war”, and suddenly every choice feels like it carries a penalty. We get it. That’s why we slow the noise down and explain what’s actually driving the share market swings, from Trump tariffs and uncertainty to the way investors price worst-case outcomes when there’s no clear playbook. We also unpack why markets were already a bit fragile after a strong run, and how crowded “everyone owns it” trades can snap when sentiment turns. 

We dig into the idea of US exceptionalism, why so much global capital piled into American shares, and what it means when that story gets questioned. We talk recession risk in plain terms, including what history suggests share markets can do in a US recession versus a global recession, and why the US dollar can be a useful signal for everyday investors watching global risk appetite shift. 

Then we get practical: we walk through a simple portfolio stress test so you can benchmark your superannuation or investment portfolio against what you should reasonably expect from a balanced fund or a growth-heavy option. We cover what to look for if your result is worse than the market, how to upgrade from persistent underperformers into higher quality shares, and how to rebalance by trimming defensive stocks that have held up well. If you’re close to retirement, we explain why a cash buffer and liquidity plan can stop panic decisions and help you ride out volatility while still funding your life, especially now that cash can earn a decent return. 

Subscribe for more clear investing guidance, share this with a mate who’s checking their super daily, and leave a review with your biggest question about markets right now.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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Retirement can feel like a single scary number, but the real work is more practical: knowing what you own, how it earns (or doesn’t), and how you will turn it into income you can actually live on. We walk through the “review phase” of a Transition to Retirement plan and why superannuation is only part of the picture. Alongside your super balance, we look at investment assets like shares, cash, term deposits and property, then stress-test them for liquidity, costs, and whether they make sense once pay slips stop.

We also zoom out to the structures that quietly shape your financial life in Australia. If you have a trust, a company, or an SMSF, we talk about when those structures are still useful and when they are just extra complexity you may want to wind down before retirement. From there, the conversation turns to estate planning: wills, powers of attorney, and super beneficiary nominations. We explain the difference between binding and non-binding nominations, and why super and trusts can sit outside your estate unless the paperwork is set up properly.

Listener questions take us into the rules people trip over most: when you can access super (including the preservation age around 60 and the “magic” of 65), how a TTR pension works with its 10% annual draw limit, and why the ATO doesn’t want TTR used like an ATM. We also tackle the uncomfortable but important topic of adult children inheriting super, the taxable component, and how a recontribution strategy can reduce potential tax over time. If you want clearer retirement planning, fewer surprises, and smarter super decisions, hit play, then subscribe, share with a mate, and leave us a review. What part of retirement planning are you reviewing first?

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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In this episode, Remo Greco explores whether the ASX is shrinking, what’s driving changes in the Australian market, and what it means for investors. A look at the future of the ASX and the impact on investment decisions.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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Chemist Warehouse feels like a simple retail story until you look at the structure behind it and the way it’s entered the sharemarket through Sigma. We walk through what Sigma actually does, why most of us haven’t heard of it, and how a “merger” can effectively operate as a reverse takeover when a much larger private business takes centre stage. If you’ve been watching the headlines and wondering why a company with no obvious need for cash would list at all, we unpack the motivations: liquidity for long time owners, the signalling value of being publicly listed, and the credibility that comes with transparent reporting when you’re talking to governments and regulators. 

From there we dig into the engine room: the franchise style model, the buying power, and why not owning every property can keep debt low while still scaling fast. We talk about what makes Chemist Warehouse attractive to investors, including dependable demand drivers like an ageing population, plus the less obvious detail that a large share of sales comes from front of store products rather than prescriptions. We also keep it grounded with the big caution flag: price. A great business can still be a risky investment if the valuation has already “galloped away”, and offshore growth plans are never guaranteed. 

Then we open the phones and tackle the questions people are really making decisions on right now: gifting shares to adult grandchildren and the tax traps to watch, whether superannuation should keep lifting exposure to international shares even when the US feels politically unstable, and what to do after receiving a small inheritance that could clear the mortgage. We also cover bonds, interest rate expectations, franking credits for retirees, and a pointed warning about how debt can unravel even big names like Mineral Resources. If you value practical investing talk that connects markets to everyday choices, subscribe, share this with a mate, and leave us a review telling us what topic you want next.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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